By proceeding with access to this website ("The Site"), you are deemed to have accepted these Terms and Conditions and our Privacy Policy. If you do not wish to be bound by these terms you should not use The Site. Please ensure that you read these Terms and Conditions carefully, they set out the basis on which you are allowed to use The Site and the information contained within it. They protect you as a user of The Site and prevent The Site from being used for any illegal or unauthorised purposes.


Carzu is a trading style of Car-Finance.Net Limited. Car-Finance.Net Limited FRN 720875 is an appointed representative of Jigsaw Finance Limited which is authorised and regulated by the Financial Conduct Authority FRN 679612. Carzu is a finance broker not a Lender. The website www.carzu.com is wholly owned by Car-Finance.Net Limited who is part of the Jigsaw Finance Group. Our registered address is Genesis Centre, Innovation way, Stoke on Trent, Staffordshire, ST6 4BF. Jigsaw Finance Limited processes and /or administers applications on behalf of Carzu.

Carzu offers new and nearly new vehicles on a number of different finance options from an extensive panel of Lenders. All finance options are explained in our Products brochure and the Terms and Conditions set out by the individual Lender apply. Carzu also offers finance on vehicles sourced by you (Any vehicle has to be supplied by a reputable motor dealer who holds the required FCA Permissions and who will need to be approved by Jigsaw Finance Limited).

Treating Customers Fairly (TCF)

We are committed to ensuring the information and service you receive before, during and after your application is clear fair and not misleading. We will not pressure you into buying from us and will only offer you products that are suitable for your needs. We will provide you with enough information for you to make your own informed choice, please click here to read more about our STANCE on TCF.

Use of The Site

The Site offers vehicles and finance products offered by third party companies with whom we have a relationship.

Throughout our Terms and Conditions, we will refer to a number of policies such as the Privacy Policy, Treating Customers Fairly and Cookie Policy. These policies can be found on our website and are free for you to review. All policies found on our websites as well as these Terms and Conditions are in a printable format and we would recommend that you fully read them before submitting an application.


Any amendments to our Terms and Conditions for The Site will be done in accordance with business related changes and the latest version will always be displayed. The amended Terms and Conditions supersede any previous arrangement, agreement, undertaking and proposal, written or oral between you and Carzu in relation to such matters. We reserve the right to amend the Terms and Conditions from time to time, the updated version will be effective as soon as it is uploaded on to this site and your continued use of The Site will constitute your acceptance of such updated Terms and Conditions.

We have the right to amend these terms as we see fit and to comply with changes in the law or for regulatory reasons, or we need to correct any error or omissions including any documentation that forms part of this agreement provided that such correction is minor and does not materially affect the agreement.

If you have any questions, queries or concerns regarding these Terms and Conditions, please contact us at info@carzu.com.

Privacy and Cookies

The protection of your privacy is very important to us and all information will be processed and administered in accordance with our Privacy Policy.

We will collect personal information or personal data about you in various ways, including:

  1. When you register an account, login to your account, complete an application form or a contact form.
  2. When you participate in any market research or promotions provided by the Jigsaw Finance Group.
  3. Information provided to the business, from business partners, and from other organisations such as credit reference agencies and fraud prevention agencies.

We will not hold or pass data outside the European Union.

Please note that all phone calls to our offices will be recorded and monitored for quality and training purposes.

We also collect data through the use of cookies and by agreeing to these Terms and Conditions you are providing your consent for us to use cookies in the ways described in our Cookie Policy. These cookies can be deleted at any time if you wish. Please see our Cookie Policy for detailed information on the types of cookies we use on The Site, the purposes for which we use each cookie, how you can disable and enable the use of certain cookies and the consequences of doing so.

We may also share your information with other companies within the Jigsaw Finance Group for the administration of any products or services provided to you by any company within the Group, however we will not sell or otherwise disclose any personal data provided to us to any other party without your express permission, unless it is required for legal, crime or regulation purposes.

Information provided on The Site is sourced and provided by our third-party relationships (e.g. external sources, Lenders rates and offers) and we will always do our best to ensure this information is accurate at all times. If you feel that any information is inaccurate, please contact us at info@carzu.com at your earliest opportunity. All products discussed on The Site are of a generic nature and the individual Lenders Terms and Conditions will apply per product. You will receive full product information from the approving Lender and will receive a SECCI (Standard European Consumer Credit Information) document to review in good time. You must read this before you sign your agreement. The Carzu team can give you more information on the individual products on request. We cannot give you a recommendation or advise you on a product but we will present you with all the information needed for you to make your own selection of a suitable product.

There may be links on The Site to other websites. These websites and the material contained within them are not owned or controlled by Carzu. Including these links on The Site does not mean that Carzu endorses them, their availability or the content contained within them. If you activate any of these links, you do so entirely at your own risk, and you will leave The Site. Please be aware that if you use a linked website, any personal information you provide will be dealt with in line with that website’s Privacy Policy and not Carzu’s. Please read that website’s Terms and Conditions and Privacy Policy before you use the website or give the website any personal information. Carzu does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these websites.

The Site may include material provided by third party product or service providers, advertisers or sponsoring organisations which must comply with applicable laws. Carzu is not responsible for verifying the accuracy of this information and does not accept liability if any of this material is untrue, inaccurate or incomplete. Carzu does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of or reliance on this material.

Intellectual Property Rights

Carzu owns all intellectual property rights in the Website Information, for the purposes of these Terms and Conditions the expression "Website Information" means all component parts of the website, including but not limited to all text, all graphics and all financial information.

The information contained on The Site is made available for your personal, non-commercial use only. You are allowed to print or download information and material from The Site for your own personal use, however all copyrights and proprietary notices must be left intact. You are not permitted to modify, copy, alter or reproduce any of the content of this site without our prior consent.

All intellectual property rights in The Site and its content (including copyright and database rights and (whether registered or unregistered) trademarks, trade names and designs and other intellectual property rights in that content), shall at all times remain vested in, or licensed by, Carzu. No licence is granted to you in these Terms and Conditions to use any trade mark of Carzu.

There is always a risk that The Site may be targeted for cyber-squatting and vandalism. Carzu does not accept any responsibility or liability for any information that could appear on The Site as a consequence.

Fees and charges

Carzu will charge a Broker Service Fee for the sourcing of the vehicle and our services, this fee is a separate fee to the finance agreement and will not be shown in any finance illustrations, no interest is payable on this fee. We do not charge a fee for the introduction to the Lender, however, we may receive a commission or fee payment from the Lender if you decide to enter into an agreement with them. This information can be obtained on request. Further information of our Broker Service Fee can be seen in our Information Notice. All other fees and charges relating to your financial agreement will be outlined in your 'SECCI' document.

Applications and 'My Carzu' Accounts

By registering an account and submitting an application, you are consenting to Carzu processing your information for the purpose of the application. We will ensure this is protected in line with our Data Protection Policy and Privacy Policy.

All data submitted by yourself is your responsibility, and you confirm that the data is complete, accurate, up to date and not misleading or likely to deceive. You must make us aware of any incorrect data as soon as you are made aware, so that we can update your application.

When you register to use ‘My Carzu’ you will be asked to create a password. Your account and password is unique to you, so you must keep it confidential and not disclose it to anyone. The responsibility of any activity and enquiries that occur or that are submitted through the use of your password, lie with yourself. If you believe that someone else has accessed your account or knows your password, you must notify Carzu immediately. We cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.

In processing your application, we will carry out a ‘soft’ credit search to determine the most suitable Lender to meet your requirements. A ‘soft’ search is not a full credit search.

A full credit search will be carried out by the chosen Lender which will (or may) leave a footprint on your credit profile detailing that a finance application has been made. This can be seen by other organisations that make credit searches. We may request a credit check with more than one Lender.

Searches will also be made in respect of Directors and Partners of firms applying for credit. Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application you may be treated as financially linked with them and assessed with reference to any such associated records.

By submitting an application, you warrant that you are at least 18 years old and legally capable of entering into binding contracts and the vehicle is for your own use useless you have informed us otherwise. Any delivery date given (whether the same is specified in this order or has been previously or is subsequently specified) is not guaranteed by Carzu and until paragraph 2 below has been invoked the Customer shall have no right to demand the refund of the deposit or to cancel this order should that date not be adhered to. Furthermore Carzu shall not be liable for any damages or claims of any kind in respect of such delay caused wholly or partly by factors outside its control.

Before we submit your application to a Lender, you will be contacted by the Carzu team to confirm your application details.

Ordering and delivery of your vehicle

Once you have decided to place an order with Carzu we will send you a Vehicle Order Form which will detail the full specification of the vehicle along with a finance quotation relating to your preferred product. This will be sent via Post and Email, and we ask that you sign the Vehicle order Form and return it to us as soon as possible, no order will be placed until we have received a signed copy.

On receipt of the Vehicle Order Form we will contact you to confirm receipt and to take the deposit required to secure the supply from the relevant dealership (if applicable).

By signing the Vehicle Order Form and paying the deposit you are entering into a legal agreement to purchase/lease the vehicle based on the price and specification detailed in the Vehicle Order Form.

We cannot guarantee the price and specification detailed on the Vehicle Order Form until we have received confirmation from the Supplying Dealer that they have ordered the vehicle.

Additionally, depending upon the delivery timescale provided by the Supplying Dealer, we cannot guarantee that the finance quotation provided at the time of quotation will still be valid at the time of delivery. All quotations are based on current monetary costs which could change in the event of any movement in rates by our Lenders.

Once the order has been confirmed by the Supplying Dealer a contract has been formed by all parties.

The terms we have negotiated with our vehicle suppliers are based on supplying individuals and businesses not associated with the motor industry, and you must make us aware of this prior to placing a vehicle order.

Vehicle Price and Deposit Payment

On receipt of your signed Vehicle Order Form you may be required to pay us a deposit to secure the order.

We take this payment via Phone using World Pay or via a direct bank transfer.

Until this payment is received, no order will be placed with our Supplying Dealer.

The balance of the cost of the vehicle will be paid to the Supplying Dealer by the finance company that is providing your agreement.

The price quoted on the Vehicle Order Form, unless stated otherwise will include VAT. Any prices displayed on the Carzu Website are for information purposes only and do not constitute an offer by us.

If you use a credit card to pay the deposit or Broker Service Fee there may be an additional charge applied which will be passed on to you in addition to the amount you are paying. Where payment is made by credit or debit card the relevant consumer legislation will apply.

Any finance transaction arranged by Carzu will be subject to status.

Taxes such as VAT, first registration fee and vehicle excise duty will be charged at the rate set on the date of invoicing, which could be different to the rate set on the date of the vehicle order form.


Prior to the signing of the Vehicle Order Form we will discuss the options available to you re delivery of your vehicle. Please note that this will depend upon the distance you are located from the Supplying Dealer and the method of transportation. The methods available are “driver-driven” delivery or via a transporter which could incur an additional cost. All vehicles will be delivered with delivery mileage, this can be estimated on requested.

We will advise you of the “Estimated Delivery Date” prior to placing your order but will endeavour where possible to deliver the car prior to that date.

Any delay in the delivery date may occasionally be subject to manufacturer delays and you acknowledge that delivery may occur later than the Estimated Delivery Date. We will inform you as soon as possible if we are unable to deliver the vehicle by the Estimated Delivery Date.

If this is the case then you will be entitled to cancel the contract and receive repayment of your deposit if delivery has not been fulfilled within 28 days of the Estimated Delivery Date unless you have agreed otherwise, orally or in writing.

Where delay is caused by circumstances beyond our control we will not be liable for any damages related to the delay.

If the vehicle you have ordered is subject to a factory order then you acknowledge that this is outside our control and you are not entitled to the “Right of Cancellation” should there be a delay beyond the Estimated Delivery Date.

When the car is delivered the Supplying Dealer will ask you to sign a delivery note as to the condition of the vehicle at the time of delivery. Once this is signed then it is deemed that you have accepted the condition of the vehicle.

You must make sure you check the condition of the vehicle carefully prior to signing the delivery note and should there be any damage, note it on the delivery note. You may wish to still accept delivery but it is important you make the representative delivering the vehicle aware and note down the damage on the condition report you are asked to sign so you can take this up with the Supplying Dealer. We, or the Supplying Dealer cannot be held responsible for any damage once the delivery note or condition report has been signed if it wasn’t brought to the drivers or Carzu’s attention at the time.

Refund of Deposit

Once we have taken a deposit from you, you will have 14 days in which to cancel the order and receive a refund should you wish to cancel. If the vehicle order is cancelled by us due to you not taking the vehicle, or cancelled by you for any reason where we have not broken the terms of our agreement, then we shall be entitled to retain all or that part of the deposit that is reasonable for us to cover the costs incurred by us which may include arranging transport, registration or resale of the vehicle.

If the vehicle order is cancelled by you as a result of a breach by Carzu of any of the conditions of the contract, or as a result of you exercising your right to cancel following a delay in the delivery date then you are entitled to a refund of your Deposit.

After 14 days we have the right to retain any deposit paid to Carzu or to the suppling dealer if any costs have been incurred by ourselves or them upon cancellation following an order.

Vehicle Order Amendments/Cancellation

Once the Vehicle Order Form is signed and we have confirmed the order with the Supplying Dealer, the price and specification shall remain fixed unless any of the following circumstances occur;

Should you request a change to the specification and it is feasible to make those changes we will do our best to accommodate the request providing you are prepared to pay any increase in the cost price of the vehicle. If it is not feasible to make the requested changes then you accept that the vehicle will be supplied as per the original specification. Please note that you would realistically need to advise us soon after placing the order for us to be able to accommodate your request as the closer it gets to the Estimated Delivery Date the less likely any changes will be able to be made.

If the Manufacturer changes the specification or price of a “standard” vehicle prior to your Estimated Delivery Date then you can either accept the car with the changed features or price or cancel your order and obtain a full refund of your deposit.

You will be required to pay any increase in the cost of road fund licence or the rate of value added tax as prescribed by the Government.

There may be circumstances outside of our control that could necessitate the cancellation of your order;

  • A change in the terms of our fleet terms with a manufacturer.
  • A breach of the contract on your part.
  • Failure to accept delivery of an ordered vehicle.

The circumstances which could arise where you are entitled to cancel the order;

  • Carzu breaches the terms of our agreement
  • Where the price of the vehicle has been increased by the manufacturer or Supplying Dealer
  • The vehicle is sufficiently damaged or does not meet the specification of the vehicle ordered.
  • You have a right under the Consumer Protection (Distance Selling) Regulations 2000 ("the Regulations") to cancel your order for any reason without charge. You have 14 days to cancel the agreement, this will be detailed in your individual finance agreement. Any monies you have paid will be returned, this does not include any non-refundable vehicle deposit or the Broker Service Fee as detailed in our Information Notice (which is separate to your finance contract). You will not have a right to cancel if the vehicle has been made to your specification or clearly personalised. However, this would only apply if the vehicle has been built to your specification and is beyond the normal manufacturer specific options.

If you decide to take this option, then you will be required to return the vehicle to the Supplying Dealer at your expense or allow them to collect the vehicle from you. Returning the vehicle must be done by car transporter in order keep the vehicle mileage the same. If the Supplying Dealer decides to collect the vehicle from you, we will be entitled to charge you an amount equal to the costs of recovery.

The vehicle has to be in the same condition as it was delivered and have the same mileage on the odometer until such time as it is collected or returned. You will also be required to return the registration document, both sets of keys and any other items supplied with the vehicle.

If there is any damage on the vehicle caused by you will be required to pay for all costs to return it to its original condition.

Once the vehicle is back with the Supplying Dealer and has been checked for condition, damage etc. we will contact you with regard to unwinding the deal with the Lender and Supplying Dealer.

Used Cars

We may, now or in the future, decide to offer a selection of used cars on the website that we believe will be of interest to our customers. If this is the case, then these will be via selected partners known to us and with whom we have dealt in our course of business.

Any such vehicles will be the subject to the Terms and Conditions of the party providing the vehicle and Carzu would not make any representation or provide warranties etc. relating to the supplier’s vehicles.

Part-Exchange Cars

Carzu has arrangements with a number of dealers and traders who may purchase a vehicle you are looking to Part Exchange as part of the transaction. These third parties work independently and any offer to purchase your current vehicle is between you and the third party. Carzu will not be held responsible for any aspect of a transaction you enter into with any of the third parties.

Consumer Rights act 2015

As a consumer, you are protected by law. Under the Consumer Rights Act 2015 any Goods purchased must be of Satisfactory Quality, Fit for Purpose and as described. On receipt of the vehicle you have the right to reject it, if it is of unsatisfactory quality or not fit for purpose, within 30 days of delivery. You will need to provide evidence that the fault was present at point of sale. Following this, the right to a repair or replacement after 30 days up to 6 months, or rejection if this cannot be achieved. For full information on the Consumer Rights 2015 please visit www.which.co.uk/consumer-rights/regulation/consumer-rights OR https://www.citizensadvice.org.uk/about-us/how-citizens-advice-works/citizens-advice-consumer-work/the-consumer-rights-act-2015/. If you do not deem the vehicle to be of satisfactory quality, please contact your Lender.

Ending of your Agreement

At the end of your agreement (if applicable, based on product selected) you will/can return the vehicle to the Lender, all vehicles returned must be of satisfactory quality and returned in line with the Lender’s Terms and Conditions (full details of this will be covered in your individual finance agreement).

If you wish to end your agreement early, you will need to contact your Lender. Their individual Terms and Conditions will apply, please note you may be charged a penalty to do so.

Cancellation of registration with Carzu

We can cancel your registration if you have breached, or we have justifiable reason to believe that you have breached, or will breach, these Terms and Conditions. We may suspend or cancel your registration immediately at our reasonable discretion. We can also cancel your application if we suspect fraudulent or malicious behaviour in connection to your application.

We reserve the right to delete your account and any personal data or other information associated with your use of The Site if there is no activity on your account for more than 48 consecutive months.

You have the right to cancel your registration with ‘My Carzu’ at any time by informing us in writing or by email sent to info@carzu.com. If you do so, you must stop using The Site immediately.


In the event that you are dissatisfied with our service, you can make a complaint to us by phone, email or post. Please see our Complaints Process. We will send you acknowledgement of your complaint within 5 working days and we will endeavor to deal with your complaints within 8 weeks. If we take longer than this or you are unhappy with our final response you can then take your complaint to the Financial Ombudsman. You can see our full Complaints Policy here.


By phone: 01782 366843
By email: info@carzu.com

By post:
Genesis Centre
North Staffs Enterprise Centre
Innovation Way

Last updated: 14th March 2017.